CN107464187A - Business risk evaluation method - Google Patents
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- CN107464187A CN107464187A CN201710733407.9A CN201710733407A CN107464187A CN 107464187 A CN107464187 A CN 107464187A CN 201710733407 A CN201710733407 A CN 201710733407A CN 107464187 A CN107464187 A CN 107464187A
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Abstract
The invention discloses a kind of business risk evaluation method, carry out according to the following steps successively：First step is the essential information for the enterprise that remote worker services risk management to be subjected, by mobile terminal or passes through company information data storehouse in terminal typing Cloud Server；Second step is that enterprise security State Diagnosis expert carrying mobile terminal goes to the enterprise；Third step is collection and typing site safety data；Four steps is to calculate the risk factor of enterprise；5th step is that Cloud Server sends risk factor to corresponding mobile terminal.The present invention can improve the operating efficiency of enterprise security State Diagnosis expert, draw the overall risk coefficient of enterprise rapidly after collecting work is completed, and understand itself degree of risk for enterprise and purchase insurance provides relatively reasonable foundation.
Description
Technical field
The present invention relates to safety evaluation service field and insurance service field.
Background technology
Safety evaluation, also referred to as risk assessment or Risk Assessments, it is the application for the purpose of realizing engineering, system safety
Safety system engineering principle and method, dangerous, adverse factor present in engineering, system is recognized and analyzed, judges work
Accident and the possibility and its order of severity of occupational hazards occur for journey, system, so as to be carried to formulate the precautionary measures and administrative decision
For scientific basis.Safety evaluation had both needed the support of theory of safety evaluation, and the combination of Need Hierarchy Theory and practical experience, the two
It is indispensable.In safety evaluation, staff is according to the countries concerned's standard and professional standard etc. to particular system（Factory）Carry out
Evaluation.Safety evaluation is significant for enterprise, enterprise can be helped to find risk place in advance, in advance anticipating risk,
Avoid possible loss.
At present, safety evaluation work relies on staff and records various secure datas on book manually, then manually
The report of enterprise security situation expert diagnosis is write, operating efficiency is relatively low.Once book goes out active or damage, just can only
Scene is come back to, gathers various secure datas again.Particularly with enterprise of the scene in other places, book goes out active or ruined
It is cumbersome after damage.
Current safety evaluation work, has functionally been lacked.If the base that can be worked in existing safety evaluation
On plinth, the safety index of reflection enterprise general safety situation, and reflection enterprise overall risk shape can be scientifically and rationally provided
The risk indicator of condition, and generate the report of enterprise security situation expert diagnosis, then safety evaluation service upgrades to whole risk pipe
Reason service.
Insurance service has different meanings from a different perspective, but it is to be unable to do without risk all the time to insure.Insurance service
Exist because of the presence of risk, be a kind of systematic arrangement that people make to tackle risk, so from risk management
Angle sees that insurance is a kind of method of risk management.From the form of expression, insurance is that insurer signs an agreement with insurer,
Insurer pays the expense of insuring with regard to item as defined in agreement, and insurer collects the expense of insuring, and particular event occurs within the definite term
When, compensate insurance money to insurer.
The content of insurance service, is constantly expanded with the development of economic society, there is personal insurance, life insurance, the person
Accident/injury insurance, medical insurance, medical insurance, property insurance, vehicle insurance etc..
Business property danger is significant for the steady development of enterprise and insurance company scope of expanding business, that is, looks forward to
All nearly there are general need in industry and insurance company for development business property.But in reality, development business property nearly has
Greatly hinder, so that business property is nearly difficult to popularize in an all-round way.Most important obstruction is that insurance company is commencing business
When, it is necessary to carry out risk assessment, it is necessary to which ensureing to insure expense and needs the insurance money compensated（Insurance premium）Between there is rational ratio
Example, to ensure that the insurance business carried out can bring profit.But the strength that insurance company lacks specialty is carried out comprehensively to enterprise
It risk assessment, can not effectively understand the risk status that enterprise faces, the reasonable computation expense of insuring and the insurance money compensated can not be needed
（Insurance premium）Between ratio, thus under many circumstances, insurance company can not carry out business property danger business.Corresponding,
Mortar businesses be a state's prosperity it is flourishing bases oneself upon this, but because insurance company in many cases can not carry out insurance clothes
Business, therefore the mortar businesses in actually China lack the security risk that can liquidate, ensure having of developing in a healthy way steadily in the long term of enterprise
Effect means.
The content of the invention
It is an object of the invention to provide a kind of business risk evaluation method, it is possible to increase enterprise security State Diagnosis expert
Operating efficiency, draw the overall risk coefficient of enterprise rapidly after collecting work is completed, understand itself degree of risk for enterprise
Relatively reasonable foundation is provided with purchase insurance.
To achieve the above object, business risk evaluation method of the invention is carried out using business risk evaluation system；
Business risk evaluation system includes Cloud Server and some mobile terminals, and mobile terminal includes housing, and the is provided with housing
One processor module, first processor module be connected with for access internet wireless communication module, for input information and
The touch display screen of display information, the first memory module for storage information and for receive satellite-signal and produce position letter
The satellite positioning module of breath；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory contain company information data storehouse and enterprise security situation expert diagnosis report
Slide former；
Include enterprise name, address, contact person, company profile and history Secure data information in company information data storehouse；
Include enterprise name in enterprise security situation expert diagnosis report template, enterprise address, enterprise nature, enterprise are expert at
Title, the basic condition of enterprise, plant equipment situation, warehouse situation, raw material and the product feelings of unit are provided in classification, the report of industry
Condition, firefighting of warehouse facility situation, physical risk adverse factor, the quantity of dangerous matter sources, the situation of each dangerous matter sources and to the danger
Source corresponding insurance responsibility and resolution after insuring, accident potential's description and judge that accident can except the foundation suffered from, accident potential
Accident pattern caused by energy and corresponding insurance responsibility and resolution；History secure data and conclusion；Conclusion includes root
The safety index for the enterprise calculated according to safety index algorithm, the risk factor calculated according to risk factor algorithm, it is
The no conclusion that can be insured, insurance coverage, insurance scheme, insured amount and next period insurance premium；
Second processor module is built-in with the algorithm of the algorithm and calculation risk coefficient that calculate safety index；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of risk management service
Each assessment item has the score value of some sub-projects and corresponding sub-project, the score value summation of same all sub-projects of assessment item
For the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to each son according to on-site actual situations
Project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the assessment item
Score；
The safety index for receiving the enterprise of risk management service is equal to（The score sum of all assessment items of the enterprise/enterprise
The total score sum of all assessment items）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
Each mobile terminal is connected by internet with Cloud Server respectively；The first processor module is connected with shooting mould
Block, the Cloud Server are connected with terminal by internet；
The business risk evaluation method of the present invention is carried out according to the following steps successively：
First step is typing company information；
The essential information for the enterprise that remote worker services risk management to be subjected, by mobile terminal or pass through calculating
Company information data storehouse in machine terminal typing Cloud Server, the terminal are connected by internet with the Cloud Server
Connect；
Second step is enterprise of the enterprise security State Diagnosis expert by acquisition for mobile terminal risk management service to be subjected
Essential information, and carry mobile terminal and go to the enterprise；
Third step is collection and typing site safety data；
Enterprise security State Diagnosis expert is in the enterprise scene for receiving risk management service, foundation national standard and/or industry mark
Standard, to enterprise per assessment item and sub-project, the various site safety data of collection in worksite one by one, and contrast site safety data and be
The no regulation met in standard to the project or sub-project, point of the project and/or sub-project is provided according to the regulation in standard
Value；The score value of the data of collection and projects and/or sub-project is inputted by mobile terminal by touch display screen；
Four steps is to calculate the risk factor of enterprise；
Mobile terminal is by internet by the site safety data transfer of enterprise security State Diagnosis expert's typing to Cloud Server；
Cloud Server calculates the enterprise for receiving risk management service by the algorithm of safety index according to enterprise's site safety data
The safety index of industry；The interval of the safety index is more than or equal to 0 and less than or equal to 100, and the numerical value of safety index is 100
When represent safe coefficient highest；
Cloud Server calculates the risk factor of enterprise according to the safety index of enterprise and the algorithm of risk factor；
5th step is that Cloud Server sends risk factor to corresponding mobile terminal, and enterprise security State Diagnosis expert is connecing
Above- mentioned information is received by the enterprise scene of risk management service.
The third step gathers and in typing site safety data step, is gathering the same of various site safety data
When, enterprise security State Diagnosis expert is taken pictures using mobile terminal to the scene for gathering each site safety data, and will be shone
Piece inputs mobile terminal in the lump as the additional data of corresponding site safety data.
When inputting site safety data, enterprise security State Diagnosis expert is obtained by satellite positioning module to be pacified with the scene
Shifting is inputted in the lump according to the geographical location information of correlation, using geographical location information as the additional data of the site safety data totally
Dynamic terminal.
The present invention has the advantage that：
The present invention is easy to operate, and enterprise security State Diagnosis expert need not return to general headquarters, it is possible to be obtained down by mobile terminal
One enterprise's essential information including address and contact person, telephone number to be evaluated.So, enterprise security State Diagnosis
Expert need not return to general headquarters can leave for it is to be evaluated（It is to be serviced）Enterprise, and using the present invention complete risk management service
Work.
Enterprise can be according to information such as the secure datas of safety index, the risk factor of enterprise and collection in worksite, from grand
See（Safety index and the risk factor of enterprise）It is upper comprehensively to understand the degree of security risk existing for itself rapidly and need
The aspect rectified and improved, taken precautions against for enterprise, avoiding risk provides foundation.
When carrying out risk management services, enterprise security State Diagnosis expert can be complete using one equipment of mobile terminal
Download, secure data collection and upload into relevant information, and the task such as industry safety index and the risk factor of enterprise is downloaded,
Substantially increase the operating efficiency of enterprise security State Diagnosis expert.
Mobile terminal is inputted in the lump using photo as the additional data of corresponding site safety data.So, can be directly perceived
The field condition corresponding to each site safety data is observed on ground, is easy to later stage tracking to go and find out what's going on, is easy to related side（Such as insure public affairs
Department）Veritify the authenticity of site safety data.
Regulation coefficient not only allows for risk factors, it is also contemplated that reaches an agreement for enterprise and insurance company and to have in market etc.
The factor of help, the risk factor that can make to calculate can more promote enterprise to reach one with regard to volume of premium with insurance company
Cause, shift business risk and expand the business of insurance company.
Conventional insurance company is difficult to carry out business insurance service, and important difficult point, which is that, can not scientifically and rationally assess wind
Danger simultaneously calculates insurance premium.Due to the algorithm that the risk assessment and premium that lack science calculate, actually insurance company does not know
How high insurance premium, thus often Overcharge should be required, causes enterprise to be unwilling to insure.
If the next period insurance premium calculated is too high, enterprise is difficult to agree to sign insurance contract；If calculate
Next period insurance premium it is too low, then insurance company is difficult to evade insurance risk again.The present invention algorithm, it is scientific and reasonable, by with guarantor
Dangerous industry personnel and the internal communication of enterprise's economic benefits（With confidentiality agreement）And evaluation, safety index provided by the invention and
Risk factor can be received by most manufacturing business and insurance company so that the present invention can be in manufacturing business and insurance
Bridge is erected between company, is shifted risk for enterprise, insurance company branches out with particularly important meaning, can be promoted
Manufacturing healthy and sustainable development and insurance are developed.
Term is explained：
1st, enterprise security situation expert diagnosis is reported：The report of reflection enterprise security situation, particular content are pacified referring to enterprise comprehensively
The introduction of full situation expert diagnosis report template.
2nd, whole risk management service：On the basis of safety evaluation, it is further provided can scientifically and rationally provide anti-
The safety index of enterprise's general safety situation, and the risk indicator of reflection enterprise overall risk situation are reflected, and generates enterprise's peace
Full situation expert diagnosis report, then safety evaluation service upgrade to whole risk management service.Risk management service then refers to
A part for whole risk management service.
3rd, enterprise security State Diagnosis expert：Trained by the expert for carrying out safety evaluation originally, safety evaluation is special
Family's understanding, after having learnt the present invention, the present invention can be used to provide risk management service, be that enterprise security State Diagnosis is special
Family.
4th, regulation coefficient：According to market discipline, management tactics and operating cost, next regulation next period insurance premium is worked up
Coefficient, suitably to adjust the number of next period insurance premium, it is allowed to more meet market needs, promotes the probability of transaction of insurance service.
5th, safety index：Reflect the index of enterprise general safety situation, the interval of the index be greater than being equal to zero and
Less than or equal to 100.Referring specifically to the algorithm of safety index.
6th, risk factor：Reflect the risk status of enterprise, interval is less than or equal to 4, more than or equal to 0.2；Risk system
When number is high, the probability that accident occurs for enterprise is also higher.Risk factor is used for the number for calculating enterprise's next period insurance premium, takes into account and insures
The interests of enterprise and the interests of insurance company.Referring specifically to the algorithm of risk factor.
Brief description of the drawings
Fig. 1 is the principle schematic of the present invention；
Fig. 2 is the principle schematic of mobile terminal；
Fig. 3 is the principle schematic of Cloud Server.
Embodiment
As shown in Figure 1 to Figure 3, business risk evaluation method of the invention is carried out using business risk evaluation system, enterprise
Industry Risk Evaluating System includes Cloud Server and some mobile terminals, and mobile terminal includes housing, the first processing is provided with housing
Device module, first processor module be connected with for access internet wireless communication module, for input information and display letter
The touch display screen of breath, the first memory module for storage information and for receiving satellite-signal and producing defending for positional information
Star locating module；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory contain company information data storehouse and enterprise security situation expert diagnosis report
Slide former；Include enterprise name, address, contact person, company profile and history secure data letter in company information data storehouse
Breath；Include enterprise name in enterprise security situation expert diagnosis report template（That is the title of detected enterprise）, industrially
Location, enterprise nature（Refer to the division carried out from the ownership to enterprise nature, such as state-owned enterprise, collectively owned enterprise, private
Enterprise or overseas-funded enterprise etc.）, industry where enterprise classification（According to industrial sectors of national economy classification (GB/T 4754-2017) to row
Industry is classified）, report provide the title of unit（The title of the unit of safety detection diagnostic service is provided）, enterprise it is basic
Situation（Including following information：Production time, plant area's area, total assets, headcount, technological process of production brief introduction etc.）, factory
Area's overview（Including：Surrounding enviroment and the information with plant area adjacent area, such as the organization near plant area, the road near plant area
Road situation；Plant area's photo（If any）；Plant area builds situation（Such as the situation in warehouse and workshop, if any photo, including it is corresponding
The photo of building）；Plant area's fire fighting device, office building and its fire fighting device）, plant equipment situation（It is laid out including plant equipment, such as
There is photo to add photo；The title of each capital equipment, photo is added if any photo）, warehouse situation（Photo is added if any photo）、
Raw material and product situation（Title, quantity and deposit position including various raw materials, title, quantity and the storage position of various products
Put；There is the additional photo of photo in raw material and product）, firefighting of warehouse facility situation（Photo is added if any photo）, physical risk
Adverse factor（It is such as local whether to be likely encountered storm flood, earthquake, thunder and lightning, high temperature, strong wind and hail natural calamity）, it is dangerous
The situation of the quantity in source, each dangerous matter sources（The situation of dangerous matter sources refers to whether with the presence of particular risk source such as high-voltage line pass through enterprise
With corresponding adverse factor such as fire.And corresponding insurance responsibility and resolution after being insured to the dangerous matter sources（Such as coordinate electricity
Power department, remove the high-voltage line by enterprise）, accident potential's description and judge accident except the foundation suffered from, accident potential may lead
The accident pattern of cause（Such as the injury of personnel or equipment）And corresponding insurance responsibility and resolution（Such as set sign for safe evacuation and
Emergency light）；History secure data（The situation of the accident once occurred in history, including time of casualty, type, original
Because, caused by loss etc. situations such as）And conclusion；The safety for the enterprise that conclusion includes being calculated according to safety index algorithm refers to
Number, the risk factor calculated according to risk factor algorithm, the conclusion that whether can be insured, insurance coverage, insurance scheme, guarantor
The dangerous amount of money and next period insurance premium；
Wherein, the foundation of accident potential can be relevant laws and regulations, administrative regulation, department regulation, local laws and regulations or country
Standard, the relevant regulations of professional standard；Such as《People's Republic of China's safe production act》39th article regulation extra exit should be set
Emergency evacuation mark, is actually not provided with, and accordingly there is accident potential.The description of accident potential also includes accident potential's grade
Classification, accident potential's grade reference《Temporary provisions are administered in industrial accident hidden troubles removing》And concerned countries standard and industry mark
Accurate regulation.
In enterprise security situation expert diagnosis report template, all information, as long as enterprise security State Diagnosis expert adopts
What is collected and upload has photo, all additional photographic intelligence；As long as there is the geographical location information of satellite positioning module collection simultaneously,
All additional geographical location information.
Second processor module is built-in with the algorithm of the algorithm and calculation risk coefficient that calculate safety index；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of risk management service
Each assessment item has the score value of some sub-projects and corresponding sub-project, the score value summation of same all sub-projects of assessment item
For the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to each son according to on-site actual situations
Project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the assessment item
Score；
The safety index for receiving the enterprise of risk management service is equal to（The score sum of all assessment items of the enterprise/enterprise
The total score sum of all assessment items）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
History secure data refers to if, when enterprise went out the security incident of which kind of type and which kind of consequence, accident in the past
Loss and the past situation of insuring of enterprise caused by reason, accident.
Each mobile terminal is connected by internet with Cloud Server respectively.
The first processor module is connected with photographing module, and the Cloud Server is connected with computer end by internet
End.
The wireless communication module is 2G/3G/4G modules or wifi module or bluetooth module or zigbee modules.
The network connecting module is Rj45 modules or 2G/3G/4G modules or wifi module or bluetooth module or zigbee
Module；The satellite positioning module is GPS module or big dipper module or GLONASS modules.
It is prior art that processor module, which is built-in with each module such as memory, processor module and display screen,.
Present invention also offers the whole risk management service using above-mentioned business risk evaluation method and insurance service side
Method, carry out according to the following steps successively：
First step is typing company information；
The essential information for the enterprise that remote worker services risk management to be subjected（Such as the title of enterprise, contact person, enterprise
Brief introduction and history secure data）, by mobile terminal or pass through company information number in terminal typing Cloud Server
According to storehouse, the terminal is connected by internet with the Cloud Server；
Second step is enterprise of the enterprise security State Diagnosis expert by acquisition for mobile terminal risk management service to be subjected
Essential information, and carry mobile terminal and go to the enterprise；
Third step is collection and typing site safety data；
Enterprise security State Diagnosis expert is in the enterprise scene for receiving risk management service, foundation national standard and/or industry mark
Standard, to enterprise per assessment item and sub-project one by one, the various site safety data of collection in worksite（Between between two factory buildings
Whether meet firebreak specified in standard away from, the spacing, the data such as deviation is how many）, and whether contrast site safety data
Meet the regulation to the project or sub-project in standard, the score value of the project and/or sub-project is provided according to the regulation in standard；
The score value of the data of collection and projects and/or sub-project is inputted by mobile terminal by touch display screen；Input scene peace
Totally according to when, enterprise security State Diagnosis expert passes through satellite positioning module and obtains the geographical position related to the site safety data
Confidence ceases, inputs mobile terminal in the lump using geographical location information as the additional data of the site safety data；
Four steps is to calculate the risk factor of enterprise；
Mobile terminal is by internet by the site safety data transfer of enterprise security State Diagnosis expert's typing to Cloud Server；
Cloud Server calculates the enterprise for receiving risk management service by the algorithm of safety index according to enterprise's site safety data
The safety index of industry；The interval of the safety index is more than or equal to 0 and less than or equal to 100, and the numerical value of safety index is 100
When represent safe coefficient highest；Specifically, when safety index is 100, represents with the current situation of the enterprise, security incident occur
Probability close to zero；When safety index is less than 30, there is possibility >=80% of security incident in 1 year in future.
Cloud Server calculates the risk factor of enterprise according to the safety index of enterprise and the algorithm of risk factor；
5th step is that Cloud Server sends the risk factor of enterprise to corresponding mobile terminal（Upload corresponding enterprise
The mobile terminal of site safety data）, enterprise security State Diagnosis expert is in the live reception of enterprise for receiving risk management service
Above- mentioned information.
The third step gathers and in typing site safety data step, is gathering the same of various site safety data
When, enterprise security State Diagnosis expert is clapped the scene for gathering each site safety data using the photographing module of mobile terminal
According to, and mobile terminal is inputted in the lump using photo as the additional data of corresponding site safety data.So, can intuitively see
The field condition corresponding to each site safety data is examined, is easy to later stage tracking to go and find out what's going on, is easy to related side（Such as insurance company）
Veritify the authenticity of site safety data.
Claims (3)
1. business risk evaluation method, it is characterised in that：Carried out using business risk evaluation system；
Business risk evaluation system includes Cloud Server and some mobile terminals, and mobile terminal includes housing, and the is provided with housing
One processor module, first processor module be connected with for access internet wireless communication module, for input information and
The touch display screen of display information, the first memory module for storage information and for receive satellite-signal and produce position letter
The satellite positioning module of breath；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory contain company information data storehouse and enterprise security situation expert diagnosis report
Slide former；
Include enterprise name, address, contact person, company profile and history Secure data information in company information data storehouse；
Include enterprise name in enterprise security situation expert diagnosis report template, enterprise address, enterprise nature, enterprise are expert at
Title, the basic condition of enterprise, plant equipment situation, warehouse situation, raw material and the product feelings of unit are provided in classification, the report of industry
Condition, firefighting of warehouse facility situation, physical risk adverse factor, the quantity of dangerous matter sources, the situation of each dangerous matter sources and to the danger
Source corresponding insurance responsibility and resolution after insuring, accident potential's description and judge that accident can except the foundation suffered from, accident potential
Accident pattern caused by energy and corresponding insurance responsibility and resolution；History secure data and conclusion；Conclusion includes root
The safety index for the enterprise calculated according to safety index algorithm, the risk factor calculated according to risk factor algorithm, it is
The no conclusion that can be insured, insurance coverage, insurance scheme, insured amount and next period insurance premium；
Second processor module is built-in with the algorithm of the algorithm and calculation risk coefficient that calculate safety index；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of risk management service
Each assessment item has the score value of some sub-projects and corresponding sub-project, the score value summation of same all sub-projects of assessment item
For the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to each son according to on-site actual situations
Project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the assessment item
Score；
The safety index for receiving the enterprise of risk management service is equal to（The score sum of all assessment items of the enterprise/enterprise
The total score sum of all assessment items）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
Each mobile terminal is connected by internet with Cloud Server respectively；The first processor module is connected with shooting mould
Block, the Cloud Server are connected with terminal by internet；
The business risk evaluation method of the present invention is carried out according to the following steps successively：
First step is typing company information；
The essential information for the enterprise that remote worker services risk management to be subjected, by mobile terminal or pass through calculating
Company information data storehouse in machine terminal typing Cloud Server, the terminal are connected by internet with the Cloud Server
Connect；
Second step is enterprise of the enterprise security State Diagnosis expert by acquisition for mobile terminal risk management service to be subjected
Essential information, and carry mobile terminal and go to the enterprise；
Third step is collection and typing site safety data；
Enterprise security State Diagnosis expert is in the enterprise scene for receiving risk management service, foundation national standard and/or industry mark
Standard, to enterprise per assessment item and sub-project, the various site safety data of collection in worksite one by one, and contrast site safety data and be
The no regulation met in standard to the project or sub-project, point of the project and/or sub-project is provided according to the regulation in standard
Value；The score value of the data of collection and projects and/or sub-project is inputted by mobile terminal by touch display screen；
Four steps is to calculate the risk factor of enterprise；
Mobile terminal is by internet by the site safety data transfer of enterprise security State Diagnosis expert's typing to Cloud Server；
Cloud Server calculates the enterprise for receiving risk management service by the algorithm of safety index according to enterprise's site safety data
The safety index of industry；The interval of the safety index is more than or equal to 0 and less than or equal to 100, and the numerical value of safety index is 100
When represent safe coefficient highest；
Cloud Server calculates the risk factor of enterprise according to the safety index of enterprise and the algorithm of risk factor；
5th step is that Cloud Server sends risk factor to corresponding mobile terminal, and enterprise security State Diagnosis expert is connecing
Above- mentioned information is received by the enterprise scene of risk management service.
2. business risk evaluation method according to claim 1, it is characterised in that：The third step gathers and typing
In site safety data step, while various site safety data are gathered, enterprise security State Diagnosis expert utilizes movement
The scene that terminal-pair gathers each site safety data is taken pictures, and the additional number using photo as corresponding site safety data
According to inputting mobile terminal in the lump.
3. business risk evaluation method according to claim 1 or 2, it is characterised in that：When inputting site safety data, enterprise
Industry safe condition diagnostician obtains the geographical location information related to the site safety data, by ground by satellite positioning module
Reason positional information inputs mobile terminal in the lump as the additional data of the site safety data.
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| CN108665165A (en) * | 2018-05-10 | 2018-10-16 | 广州市华泓鞋业有限公司 | A kind of business taxation analysis system based on big data |
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